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Budgeting & debt advice

If you are in desperate financial need, we can work alongside you to help you stay out of debt. 

You have helped me to avoid a truly significant disaster - The Salvation Army's help to me was like no others.

Could you help The Salvation Army in its work with Financial Inclusion? Please fill our initial volunteer enquiry form below:

Debt is a problem affecting many people and we offer professional advice that is accessible and free. Debt can cause the breakdown of relationships, adversely affect health, lead to the loss of homes, cause depression, fear, anger and shame, and sometimes trigger serious addiction problems. 


At some of our centres, we offer a free, confidential, professional service for those struggling with their personal finances. Such services have a committed team of qualified debt advisers who regularly meet with clients to discuss and manage their financial issues.

The Salvation Army Debt Advice Service relies on committed volunteers who donate their time to train as qualified debt advisers, and are on hand to guide you through tough financial circumstances, liaise with debtors on your behalf, and connect you with other areas of The Salvation Army that can help.

Financial Inclusion

At The Salvation Army, our financial inclusion centres offer comfort and encouragement as well as practical help. We understand that providing a listening ear can be just as important as negotiating with a client’s creditors.

Financial Inclusion work is life changing; it’s not just about money, it is about enabling people to escape from circumstances that have blighted their lives.

The Salvation Army works with Community Money Advice (CMA) to provide Debt Advice Services (DAS). Our Debt Advice coordinators are trained to NVQ Level 3 and provide ongoing holistic support to clients facing financial exclusion.

At present, we have five debt advice centres. These are currently in operation in: Luton, Dunstable, Bedford, Winton and Peterborough.

To address the growing national issue of personal debt, we are aiming to increase our debt advice centres to seven within the next financial year, with a further eight planned in the following year. Our Financial Inclusion coordinators will:

  • Produce a statement of a client’s income / expenses and, in doing so, independently verifying their financial position,
  • Provide budgeting advice to the client with options that are available to him / her,
  • Write on the client’s behalf to creditors proposing schemes for payment (in whole or part),
  • Provide pastoral and practical support,
  • Provide a free service for clients. No commission or fee is applied.

Some external links for debt and budgeting advice